LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

[PlanB]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

(should the SAR be to Vanquis or Lowell?)

The SAR goes to the original creditor which is Vanquis in your case.

You have 33 days from the claim issue date to file your Defence. A SAR can take up to 40 days to receive.

However after you file your Defence it'll be about another three months before you have to file your Witness Statement so it may be worth it because that's when the content of a SAR can be most useful.

A SAR provides you with the history of your account which a subsequent debt purchaser may not have access to. This enables you to tell whether a reconstituted document is authentic or a plain forgery.

Plan B x

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Thanks again.

any thoughts on this before I send it off?...

Thanks Plan B, sounds like a good idea. so, do i need to also edit this bit?

1. TheAgreement & any associated Terms & Conditions applicable tothe account;
2. The Notice of Assignment;
3. TheTermination Notice;
4. The Default Notice
5. Anyother documents mentioned in the Particulars of Claim

with no.5 i don't think they have mentioned any other documents in the claim...

al
so, received 'notice of CCC issued' letter today. Bit late

[Never-In-Doubt]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Edit the template to suit or leave it as-is. It won't matter but don't strip out the important things you want them to provide. In the POC they'd have said it's a cc debt - so by adding point 5 it's asking for anything relative. You're best sending it as-is.

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

received a response from BW Legal. Its simply a breakdown of outstanding balance, same as on the court letter. nothing else on there and no reply from vanquis as yet

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Just had a look at my paperwork and realised that I sernt both CCA and sar to Lowell. Doh. Is there still there time to send the CCA to vanquis?

[The Tech Clerk]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

CCA to Lowell 1st class Monday Recorded Delivery be OK you mention the SAR as well sent to Lowell?


Lowell might forward it but I would not trust them! the copy you sent to Lowell for CCA treat as notification to them of the request and send Vanquis as stated Monday 1st class rerecorded

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

CCA to Lowell 1st class Monday Recorded Delivery be OK you mention the SAR as well sent to Lowell?


Lowell might forward it but I would not trust them! the copy you sent to Lowell for CCA treat as notification to them of the request and send Vanquis as stated Monday 1st class rerecorded

OK great, so CCA to Lowell is fine, just need to do sar again to vanquis. Thanks

[The Tech Clerk]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

OK great, so CCA to Lowell is fine, just need to do sar again to vanquis. Thanks

CCA Vanquis now as well, Lowells will know now you are contacting Vanquis. due to your error sending (the main CCA1974 request) to them by mistake like I said they may/may not forward it, play safe send again but to Vanquis post haste!

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

does anyone have any thoughts on the response from BW legal? It doesnt really say anything new or anything atall... should they not have responded with a bit more detail?

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Should I be thinking about filing a defence? I have no idea what the next steps are, can anyone advise?

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

issue date was 11 Oct, should I not have filed a defense within 28days?

[The Tech Clerk]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Need to respond to-day as latest is Sunday get away with by 4 p.m. Monday ? 28 days + 5 days postage allowed.

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Sorry, I should respond or them? I truly have no idea what the next step is, could do with some guidance if thats possible

[Never-In-Doubt]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Hi - have you done a defence or not? I'm pretty sure I lined you up with Jo...

Suggest you ring ASAP - 0151 254 6980

[stayingpositiv]

Re: LOWELL PORTFOLIO 1 LTD ( BW LEGAL ) v stayingpositiv - Issued 11 October 2016

Thanks Niddy, no defense, I was awaiting next steps, but didn't know about Jo. will call now